Senior Underwriting Consultant, Executive Benefits - Remote

Lincoln Financial; Hartford (CT); On-site; USD 97,000 - 176,000; Full time

Benefits offered by this job

PTO & parental leave

401K and benefits

Tuition assistance

Employee assistance program

Financial counseling

Job summary

Lincoln Financial seeks an Underwriting Sr. Consultant to support our Executive Benefits Team in a fully remote role. You will underwrite COLI/BOLI/ICOLI programs, assess risk, and partner with sales, product, case management and reinsurance to grow executive benefits.

The ideal candidate brings deep COLI expertise, medical and financial underwriting judgment, and strong collaboration skills to drive compliant, profitable results.

Qualifications

• Bachelor's degree or 4+ years of comparable work experience.
• 5-7+ years of experience in Underwriting Individual Life Insurance.
• Demonstrated Excellence in: Problem Solving / Analysis; Comprehension of Complex Information; Influencing Others; Risk Assessment; Demonstrated decision making using sound judgment; Negotiation Skills; Managing Conflict
• Developed Skills in analyzing and interpreting complex financial documents including profit/loss statements, income statements, and balance sheets
• Strong Written and Verbal Communication skills
• Intermediate in: Microsoft Office (Outlook, Word, PowerPoint, Excel)
• A demonstrated track record of working with minimal supervision, being a self-starter and working with others in a team environment

Responsibilities

• Underwrite GI and SI COLI cases per carrier guidelines and program parameters.
• Analyze lives within executive and broad-based COLI/BOLI/ICOLI programs.
• Determine appropriate ratings, underwriting actions, and capacity decisions.
• Review compensation data, employee classifications, and benefit structures.
• Assess financial justification consistent with employer owned life insurance standards.
• Ensure policy face amounts align with program intent and eligibility requirements.
• Underwrite in compliance with IRC, 101(j) notice and consent requirements.
• Maintain adherence to carrier COLI governance standards and underwriting guidelines.
• Support internal review committees and large-case decision processes.
• Perform medical underwriting as required.
• Apply knowledge of Qualified Purchaser and Accredited Investor definitions for eligibility and regulatory alignment.
• Build relationships with internal and external partners.

Skills

Underwriting

COLI knowledge

Problem Solving

Financial analysis

Communication

MS Office

Education

Bachelor's degree or equivalent

LOMA certification (nice-to-have)

Tools

MS Office Suite

Job description

Lincoln Financial seeks an Underwriting Sr. Consultant to support our Executive Benefits Team in a fully remote role. You will underwrite COLI/BOLI/ICOLI programs, assess risk, and partner with sales, product, case management and reinsurance to grow executive benefits.

The ideal candidate brings deep COLI expertise, medical and financial underwriting judgment, and strong collaboration skills to drive compliant, profitable results.